I will never be able to establish credit after bankruptcy. Not true! But like many myths there is a grain of truth to this. Obtain a secured credit card and start re-building your credit. Many mortgage companies can assist applicants with a record of bankruptcy after two to three years. Most file bankruptcy because they cannot pay their bills and their credit is already bad. A bankruptcy won’t make it worse. After the bankruptcy you are likely to be in a better position to pay current bills and that should improve your chances of getting new credit.